VZ Holding AG (VZN) AI Stock Analysis

• Market Cap: CHF6.11B
• Dividend Yield: 1.82%
• Average Volume (3M): 39.07K
• Price to Earnings (P/E): 25.3
• Beta (1Y): 0.57
• Revenue Growth: 8.15%
• EPS Growth: 12.24%
• Country: CH
• Employees: 1,567
• Sector: Services
• Sector Strength: N/A
• Industry: Asset Management
• EPS (TTM): 3.14
• Shares Outstanding: 40,000,000
• 10 Day Avg. Volume: 77,920
• 30 Day Avg. Volume: 39,071
• PEG Ratio: 3.03
• Price to Book (P/B): 5.08
• Price to Sales (P/S): 9.52
• P/FCF Ratio: 23.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 6.59
• Revenue Forecast (FY): CHF643.35M

• Rating: 64 Neutral
• Price Target: CHF152.00 ▼(-0.52% Downside)
• Action: Reiterated Date: 03/04/26
• Date: Action: Reiterated 03/04/26

The score is driven primarily by solid underlying financial performance (strong profitability/returns and improved leverage), tempered by the sharp 2025 free-cash-flow drop and a recent pause in revenue growth. Technicals are a meaningful drag due to a clear downtrend (price below key moving averages and negative MACD), while valuation is modestly supportive but not compelling given the ~24 P/E and ~1.9% yield.

Positive Factors

High and consistent returns on equity

Sustained ROE near 19–21% signals durable profitability and effective capital allocation. High returns imply the business generates above-average margins and reinvestment capacity, supporting long-term shareholder returns and resilience through economic cycles.

Negative Factors

Volatile free cash flow

A 52% free-cash-flow drop in 2025 highlights uneven cash generation despite historically strong conversion. Volatility in FCF can constrain dividends, buybacks, and reinvestment, and raises uncertainty about the consistency of internally funded growth or capital returns.

VZ Holding AG Business Overview & Revenue Model

Company Description

VZ Holding AG (VZN) is a Swiss financial services company that primarily operates in the sectors of finance, insurance, and asset management. The company offers a wide range of products and services, including personal banking, investment advisory...

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VZ Holding AG (VZN) is a Swiss financial services company that primarily operates in the sectors of finance, insurance, and asset management. The company offers a wide range of products and services, including personal banking, investment advisory...

How the Company Makes Money

VZ Holding AG generates revenue through several key streams, including fees from asset management services, commissions on financial products, and advisory fees for wealth management services. The company also earns income from its insurance produ...

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VZ Holding AG generates revenue through several key streams, including fees from asset management services, commissions on financial products, and advisory fees for wealth management services. The company also earns income from its insurance produ...

VZ Holding AG Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	627.60M	567.54M	517.36M	420.69M	392.00M
Gross Profit	557.53M	381.95M	342.64M	393.35M	368.48M
EBITDA	301.45M	312.93M	269.34M	197.90M	187.81M
Net Income	236.44M	218.22M	186.94M	151.10M	142.59M
Balance Sheet
Total Assets	8.27B	7.49B	6.54B	5.95B	5.77B
Cash, Cash Equivalents and Short-Term Investments	2.09B	1.91B	1.56B	1.46B	1.89B
Total Debt	720.30M	754.95M	553.35M	538.40M	1.04B
Total Liabilities	7.09B	6.43B	5.61B	5.18B	5.07B
Stockholders Equity	1.18B	1.05B	919.09M	763.09M	695.60M
Cash Flow
Free Cash Flow	254.31M	231.59M	161.43M	163.94M	147.82M
Operating Cash Flow	268.72M	254.21M	165.85M	196.42M	168.55M
Investing Cash Flow	-775.16M	3.25M	-30.85M	-1.11B	-131.17M
Financing Cash Flow	563.96M	14.56M	-1.21M	-62.70M	-42.87M

VZ Holding AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 152.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:VZN, the sentiment is Positive. The current price of 152.8 is above the 20-day moving average (MA) of 149.57, above the 50-day MA of 146.32, and below the 200-day MA of 156.26, indicating a neutral trend. The MACD of 2.36 indicates Negative momentum. The RSI at 64.95 is Neutral, neither overbought nor oversold. The STOCH value of 66.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:VZN.

VZ Holding AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PGHN	79 Outperform	CHF22.27B	9.32	―	4.30%	23.34%	24.97%
VONN	66 Neutral	CHF3.97B	5.44	11.11%	4.66%	3.80%	15.49%
VZN	64 Neutral	CHF6.11B	25.28	22.69%	1.82%	8.15%	12.24%
BAER	60 Neutral	CHF12.76B	16.79	―	4.14%	1.02%	131.90%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
LEON	47 Neutral	CHF283.29M	-7.17	―	21.87%	-4.06%	-109.73%
GAM	42 Neutral	CHF113.52M	-2.12	-81.01%	―	-60.15%	68.65%

VZ Holding AG Corporate Events